Built for Healthcare Compliance
ArkCloud RCM implements administrative and technical safeguards designed to support HIPAA, FDCPA, TCPA and state-specific obligations. Compliance is a shared responsibility: the platform supports your programme, it does not constitute one.
HIPAA Compliant
PHI protection & BAA agreements
Full compliance with HIPAA Privacy and Security Rules including encryption, access controls, and breach notification procedures.
FDCPA Workflows
Fair debt collection practices
Automated enforcement of call time restrictions, frequency limits, and required disclosures including mini-Miranda warnings.
TCPA Protection
Telephone consent management
Consent tracking, do-not-call list integration, and automated dialing restrictions to ensure TCPA compliance.
State Regulations
State-specific collection rules
Configurable rules for state-specific collection laws, licensing requirements and regulatory variations.
PCI-DSS via processor
Payment card security
Tokenized payment processing, encrypted transmission, and PCI-DSS compliant infrastructure for all transactions.
Audit Ready
Comprehensive logging & reporting
Complete audit trails, evidence collection, and report generation for regulatory examinations and compliance reviews.
HIPAA Compliance
Health Insurance Portability and Accountability Act
PHI Protection
End-to-End Encryption
AES-256 encryption for PHI at rest and TLS 1.3 for data in transit
Access Controls
Role-based access control (RBAC) with minimum necessary access principles
Data Redaction
Automatic PHI masking in logs, reports, and non-clinical interfaces
Session Management
Automatic session timeouts and re-authentication for sensitive operations
Business Associate Agreements
Standard BAA Included
HIPAA-compliant Business Associate Agreement provided with all accounts
Subcontractor Management
All third-party vendors vetted and covered under BAA agreements
Annual Reviews
Regular BAA reviews and updates to maintain compliance
Breach Notification
Incident Response Plan
Documented procedures for breach detection, assessment, and notification
Breach notification
Documented breach-response procedures. Acting as a Business Associate, ArkCloud notifies the applicable covered entity consistent with HIPAA and the governing BAA.
FDCPA Compliance
Fair Debt Collection Practices Act
Call Time Restrictions
Automatic Time Enforcement
System blocks calls before 8 AM and after 9 PM in the consumer's time zone
Time Zone Detection
Automatic detection of patient time zone based on phone number and address
Holiday Awareness
Federal and state holiday calendars prevent inappropriate contact timing
Contact Frequency Limits
Call-frequency control
Implements the Regulation F call-frequency presumptions: no more than seven telephone calls within a seven-day period.
Additional channel limits
Configurable limits across SMS, email and mail. These are stricter than Regulation F requires - ArkCloud policy controls, not the call-frequency rule.
Automatic Queue Removal
Accounts automatically removed from queues when limits are reached
Required Disclosures
Validation Notice
Automatic generation and tracking of debt validation notices within 5 days
Written Communication Requirements
Templates include all required creditor information and consumer rights
Dispute Rights
Clear disclosure of consumer's right to dispute debt within 30 days
Mini-Miranda Warning
Initial Communication
"This is an attempt to collect a debt" disclosure on every first contact
Subsequent Communications
"This communication is from a debt collector" on all follow-up contacts
Script Integration
Mini-Miranda automatically inserted into agent scripts and call flows
TCPA Compliance
Telephone Consumer Protection Act
Consent Management
Prior express written consent tracking for autodialed and prerecorded calls
Consent revocation workflows with immediate system updates
Timestamped consent records with method and source documentation
Do-Not-Call Lists
Integration with National Do Not Call Registry
Internal DNC list management with instant blocking
Automatic scrubbing against DNC lists before dialing
Autodialer Controls
Manual dialing enforcement when consent is not documented
Cell phone vs. landline detection and handling
Abandoned call rate monitoring and prevention (below 3% threshold)
State Regulations
Configurable state-specific collection rules
State-Specific Collection Laws
Statute of Limitations Tracking
Automatic tracking of state-specific debt collection time limits
Interest Rate Caps
State-specific interest rate limits enforced on payment plans
Collection Letter Requirements
State-mandated disclosure language automatically included
Exemption Limits
Respect for state-specific wage garnishment and exemption rules
Licensing Requirements
License Tracking
System tracks agency licenses by state with expiration alerts
Bond Requirements
Documentation and tracking of state-required surety bonds
Geographic Restrictions
Prevents collection activities in states where agency is not licensed
Continuous Monitoring
Regulatory controls are versioned and updated through ArkCloud's controlled software change process, and changes are documented in the release notes. Customers remain responsible for determining the requirements applicable to their organisation.
PCI-DSS Compliance
Payment Card Industry Data Security Standard
Secure Payment Processing
Card data handled by a PCI-DSS Level 1 processor
Highest level of PCI compliance with annual third-party audits
Tokenization
Card data replaced with tokens - no sensitive data stored in system
Point-to-Point Encryption
Card data encrypted from entry point through processing
Secure Payment Gateway
PCI-certified payment gateway with fraud detection
Data Protection
No Cardholder Data Storage
System does not store full PANs, CVV2, or magnetic stripe data
Network Segmentation
Payment processing isolated from other system components
Access Logging
All payment system access logged and monitored
PCI Compliance Made Simple
Routing card data to a PCI-DSS Level 1 processor means your organization benefits from the highest security standards without the complexity and cost of maintaining your own PCI compliance program.
- Reduced PCI scope for your organization
- Annual AOC (Attestation of Compliance) provided
- Quarterly network scans by approved vendors
- Annual penetration testing
Audit Readiness
Comprehensive Logging and Evidence Collection
Complete Audit Trail
Every action logged with user, timestamp, and IP address
Tamper-evident audit logs, hash-chained so a modified record breaks the chain
7-year retention for regulatory compliance
Report Generation
Pre-built compliance reports for common audits
Custom report builder for specific requirements
Scheduled reports automatically delivered to auditors
Evidence Collection
Call recordings stored with encryption
Email and SMS communications archived
Payment receipts and agreements digitally signed
Common Audit Reports
- HIPAA Security Risk Assessment
- FDCPA Compliance Summary
- TCPA Consent Documentation
- User Access and Permissions Report
- Breach Incident Response Log
Export Formats
- PDF with digital signatures
- Excel/CSV for data analysis
- JSON for system integration
- Encrypted archive for secure transfer
Compliance Framework Overview
Our multi-layered compliance approach ensures regulatory adherence at every level of the platform
Infrastructure Layer
Application Layer
Business Logic Layer
User Interface Layer
Regular Compliance Updates
Healthcare and collections regulations evolve constantly. Our compliance team monitors changes and updates the platform to keep you protected.
Regulatory Monitoring
Continuous tracking of federal and state regulatory changes affecting healthcare collections
Automatic Updates
Platform automatically updated to reflect new compliance requirements with zero downtime
Training Resources
Updated training materials and documentation provided when regulations change
Compliance Newsletter
Subscribe to receive monthly updates on regulatory changes, compliance best practices, and platform enhancements.
Compliance Resources
Access comprehensive documentation, guides, and tools to support your compliance program
HIPAA Compliance Guide
Comprehensive guide to HIPAA requirements and how ArkCloud RCM addresses each provision
FDCPA Best Practices
Industry best practices for FDCPA compliance in healthcare collections
SOC 2 Type II Report
Independent audit report of our security, availability, and confidentiality controls
TCPA Compliance Checklist
Step-by-step checklist for maintaining TCPA compliance in your collection operations
State Regulations Matrix
Reference guide for state-specific collection laws and requirements
PCI-DSS Documentation
AOC, network scan results, and penetration test summaries for PCI compliance
Have Compliance Questions?
Our compliance team is here to help. Contact us for specific questions about regulations, audit support, or to request documentation.
Email Support
For non-urgent compliance inquiries and documentation requests
Phone Support
For urgent compliance questions or audit support
[email protected]Schedule a Compliance Consultation
Meet with our compliance experts to discuss your specific requirements and how ArkCloud RCM can support your compliance program.
Schedule ConsultationBuilt on a Foundation of Compliance
Don't let compliance concerns hold back your collections operations. ArkCloud RCM handles the complexity so you can focus on results.